<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Home -->
  <url>
    <loc>https://corelend.au/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core service pages (clean canonical URLs) -->
  <url>
    <loc>https://corelend.au/car-finance</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://corelend.au/asset-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/commercial-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/construction-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/smsf-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/calculators</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://corelend.au/extra-repayments-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Home loan pages -->
  <url>
    <loc>https://corelend.au/pages/first-home-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/refinancing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/investment-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guide pages -->
  <url>
    <loc>https://corelend.au/pages/how-much-can-i-borrow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/mortgage-broker-sydney</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/mortgage-broker-melbourne</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- State landing pages -->
  <url>
    <loc>https://corelend.au/pages/finance-broker-nsw</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-vic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-qld</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-wa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-sa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-act</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-tas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://corelend.au/pages/finance-broker-nt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://corelend.au/pages/about-jonathan-al-aaraj</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Privacy -->
  <url>
    <loc>https://corelend.au/pages/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
